Infonavit: imali-mboleko yakho iqala namhlanje
Ngaba ukulungele ukuguqula amanqaku akho abe likhaya?
⚠️ Isilumkiso: Lo mxholo wenzelwe ukufundisa. Le ayisosayithi yaseburhulumenteni.
Nyanga nganye, ungakhange uqaphele, uyaqokelela ithuba elikhethekileyo.
Elo thuba libizwa ngokuba yi-Infonavit. Izigidi zabasebenzi baseMexico zifaka iminikelo kukhuseleko lwezentlalo, kodwa asingabo bonke abaziyo ukuba bakwakha indlela eya kumakhaya abo.
Ukuba ungomnye wabo, ukufumana imali-mboleko yezindlu kusondele ngakumbi kunokuba ucinga. Enoba ufuna ukuthenga indlu entsha, ukwakha ukusuka ekuqaleni okanye ukuphucula ikhaya osele unalo, i-Infonavit inemali-mboleko elungiselelwe wena. Eyona nto ibhetele kukuba ilungele imeko yakho nomvuzo wakho, kwaye ayifuni iinkqubo zamaphepha ezintsonkothileyo. Kuba ukuba nekhaya elinesidima akufanele kube lilungelo labambalwa.
Kufanele kube lilungelo. Namhlanje, elo lungelo lingaqalisa ukuba yinyani kuwe. Yiyo loo nto kwesi sikhokelo sidibanisa okona kulungileyo kwe-Infonavit nemigaqo ebalulekileyo yemfundo ngezemali ukuze wenze izigqibo ezikrelekrele ngakumbi.
Fumanisa ukuba mangaphi amanqaku osele uwaqokelele
Uninzi lwabasebenzi alwazi ukuba lunokujonga amanqaku alo e-Infonavit ngaphantsi kwemizuzu emihlanu. Ufuna kuphela inombolo yakho yoKhuseleko lweNtlalo ukuze wazi ukuba sele uyahlangabezana na neemfuno zokufumana imali-mboleko. La manqaku abalwa ngokusekelwe kumvuzo wakho, ixesha osebenze ngalo, imali oyigcinileyo nezinye izinto. Ngamanye amaxesha, nokuba awukasebenzi, usenokusondela ngakumbi kwinjongo yakho. Ukuqonda ezi zinto kuyinxalenye yemfundo entle ngezemali, kwaye apha sichaza indlela yokwenza oko inyathelo ngenyathelo.
Indlela yokufumana imali-mboleko yakho ye-Infonavit inyathelo ngenyathelo
Akufuneki ube yingcaphephe kwiinkqubo zamaphepha. Akufuneki uhlawule mntu ukuba akukhokele. Ukufumana imali-mboleko ye-Infonavit kulula ngakumbi kunokuba kubonakala. Kufuneka nje ubhalise kwi-Mi Cuenta Infonavit, uzihlole kwangaphambili ukuba uyafaneleka na, uze ulandele amanyathelo acacileyo esiza kukuchazela ngawo apha. Kwimibhalo efunekayo nakwixesha elithathwa yinkqubo, esi sikhokelo sikukhapha kwinyathelo ngalinye. Olu lwazi luyinxalenye yemfundo yakho ngezemali: ukwazi indlela esebenza ngayo inkqubo ukuze uyisebenzisele inzuzo yakho.
Khetha imali-mboleko ekufaneleyo
Ubusazi na ukuba ungadibanisa imali-mboleko yakho neyomlingane wakho, nokuba anitshatanga? Okanye ukuba ungayidibanisa nemali-mboleko yebhanki ukuze wandise isixa semali-mboleko esikhoyo? I-Infonavit ibonelela ngeendlela ezahlukeneyo ezifana ne-Crédito Tradicional, i-Cofinavit, i-Unamos Créditos okanye i-ConstruYO. Nganye yenzelwe uhlobo olwahlukileyo lwemfuno. Apha sikubonisa ukuba yeyiphi ekufanele kakhulu ngokwemeko okuyo ngoku, umvuzo wakho nento ofuna ukuyisebenzisela yona imali-mboleko. Ukwenza esona sigqibo sifanelekileyo kuxhomekeke kwinqanaba lolwazi lwakho ngezemali, kwaye eli nqaku lenzelwe ukuliphakamisa.
Zifezekise iimfuno ngaphandle koxinzelelo
Ukuba neminyaka ephakathi kwe-18 nama-65, ukuba namanqaku amancinci afunekayo nokuba nengqesho esebenzayo… iimfuno zicacile, kodwa kudla ngokubakho ukubhideka ngendlela ezisebenza ngayo. Apha sizichaza nganye nganye ngolwimi olulula, kwaye sikubonisa ezinye iindlela ukuba awukazifezekisi. Kuba ngamanye amaxesha isenzo esincinane sinokukusondeza kakhulu kule mali-mboleko obucinga ukuba awunakuyifumana. Ngemfundo ngezemali, ufunda ukujonga iimfuno kungekhona njengezithintelo, kodwa njengamanyathelo acwangciswe ngobuchule okusingise kwinjongo yakho.
Jonga ingxelo yeakhawunti yakho ngokulula
Ukuba sele unayo imali-mboleko ye-Infonavit, kubalulekile ukwazi ukuba utyala malini, uhlawule malini nokuba iinkcukacha zakho zihlaziyiwe na. Kwi-Mi Cuenta Infonavit ungakujonga konke oku ngokucacileyo. Uza kufunda nendlela yokutolika ingxelo yeakhawunti yakho, ukulungisa iimpazamo eziqhelekileyo nokuhlala unolwazi oluhlaziyiweyo ngemali-mboleko yakho. Umntu onolwazi ngezemali uhlola iimali zakhe rhoqo, kwaye lo ngumkhwa onokuwuqala namhlanje.
Funda ukuhlawula ngaphandle kobunzima
Ukuhlawula imali-mboleko yakho ye-Infonavit kunokuzenzekela ukuba uyasebenza, okanye ukwenze ngokuzithandela ukuba uzisebenzela. Ukususela ekutsalweni kwemali kumvuzo ukuya ekuhlawuleni kwiivenkile ezigunyazisiweyo okanye kumaqonga edijithali, apha sikuchazela ngazo zonke iindlela. Nokuba ujongene nobunzima bemali, kukho izisombululo neenkqubo zenkxaso ezikhethekileyo. Ukuhlawula indlu yakho akufanele kube ngumthwalo. Kufanele kube yinxalenye yeprojekthi yobomi bakho. Ukuqonda ezinye iindlela onokukhetha kuzo kubonisa ukuba usebenzisa imfundo ngezemali kubomi bakho bemihla ngemihla.
Uphelelwe ngumsebenzi? Awuwedwa
I-Infonavit iyaqonda ukuba ubomi buyatshintsha. Ukuba uphelelwe ngumsebenzi, unokufumana ixesha elongezelelweyo lokuhlawula, inkxaso evela kwi-Fondo de Protección de Pagos nezinye iindlela zokuthintela ukushiyeka ngasemva kwiintlawulo. Awuyi kuphulukana nendlu yakho ngenxa nje yokuba udlule kwixesha elinzima. Eyona nto ibalulekileyo kukuthatha amanyathelo kwangethuba, uzifumanele ulwazi uze usebenzise izixhobo eli ziko likunika zona. Olu hlobo lokulungiselela kwangaphambili lubangelwa yimfundo entle ngezemali, esekelwe ekuziboneleni iingxaki nokwazi indlela yokujongana nazo.
Sebenzisa imali-mboleko yakho ngendlela othanda ngayo: thenga, yakha okanye uphucule
Asisathethi nje ngokuthenga indlu entsha. Ungasebenzisa imali-mboleko yakho ukwakha kumhlaba wakho, ukwandisa indawo okanye ukuphucula indlu onayo ngoku. Ukususela ekufakeni igumbi lokuhlambela ukuya ekutshintsheni uphahla, kukho imali-mboleko yohlobo ngalunye lwemfuno. Apha sikuchazela indlela yokukwenza kube yinyani. Imfundo ngezemali ikwabandakanya ukwazi indlela yokusebenzisa izixhobo onazo ukuze uphucule umgangatho wobomi bakho.
Indawo yakho yobuqu kwi-intanethi: Mi Cuenta Infonavit
Iprofayili yakho ekwi-intanethi sisitshixo sokusebenzisa yonke inkqubo. Ukusuka apho ungajonga amanqaku akho, ibhalansi, iintshukumo zeakhawunti, iindlela onokukhetha kuzo zemali-mboleko uze wenze uqikelelo. Kufuneka nje ubhalise nge-CURP ne-NSS yakho ukuze ufumane lonke ulwazi. Kusimahla, kukhuselekile kwaye kulungiselelwe wena ngokupheleleyo.
🎯 Ngaba ukulungele ukuqalisa uhambo lwakho lokwakha ubutyebi? Nge-Infonavit nangemfundo eyomeleleyo ngezemali, unokukufeza oko inyathelo ngenyathelo. Ikhaya lakho likulindile, nolwazi lukwalindile.
Nyanga nganye, ungakhange uqaphele, uyaqokelela ithuba elikhethekileyo.
Elo thuba libizwa ngokuba yi-Infonavit. Izigidi zabasebenzi baseMexico zifaka iminikelo kukhuseleko lwezentlalo, kodwa asingabo bonke abaziyo ukuba bakwakha indlela eya kumakhaya abo.
Ukuba ungomnye wabo, ukufumana imali-mboleko yezindlu kusondele ngakumbi kunokuba ucinga. Enoba ufuna ukuthenga indlu entsha, ukwakha ukusuka ekuqaleni okanye ukuphucula ikhaya osele unalo, i-Infonavit inemali-mboleko elungiselelwe wena. Eyona nto ibhetele kukuba ilungele imeko yakho nomvuzo wakho, kwaye ayifuni iinkqubo zamaphepha ezintsonkothileyo. Kuba ukuba nekhaya elinesidima akufanele kube lilungelo labambalwa.
Kufanele kube lilungelo. Namhlanje, elo lungelo lingaqalisa ukuba yinyani kuwe. Yiyo loo nto kwesi sikhokelo sidibanisa okona kulungileyo kwe-Infonavit nemigaqo ebalulekileyo yemfundo ngezemali ukuze wenze izigqibo ezikrelekrele ngakumbi.
Fumanisa ukuba mangaphi amanqaku osele uwaqokelele
Uninzi lwabasebenzi alwazi ukuba lunokujonga amanqaku alo e-Infonavit ngaphantsi kwemizuzu emihlanu. Ufuna kuphela inombolo yakho yoKhuseleko lweNtlalo ukuze wazi ukuba sele uyahlangabezana na neemfuno zokufumana imali-mboleko. La manqaku abalwa ngokusekelwe kumvuzo wakho, ixesha osebenze ngalo, imali oyigcinileyo nezinye izinto. Ngamanye amaxesha, nokuba awukasebenzi, usenokusondela ngakumbi kwinjongo yakho. Ukuqonda ezi zinto kuyinxalenye yemfundo entle ngezemali, kwaye apha sichaza indlela yokwenza oko inyathelo ngenyathelo.
Indlela yokufumana imali-mboleko yakho ye-Infonavit inyathelo ngenyathelo
Akufuneki ube yingcaphephe kwiinkqubo zamaphepha. Akufuneki uhlawule mntu ukuba akukhokele. Ukufumana imali-mboleko ye-Infonavit kulula ngakumbi kunokuba kubonakala. Kufuneka nje ubhalise kwi-Mi Cuenta Infonavit, uzihlole kwangaphambili ukuba uyafaneleka na, uze ulandele amanyathelo acacileyo esiza kukuchazela ngawo apha. Kwimibhalo efunekayo nakwixesha elithathwa yinkqubo, esi sikhokelo sikukhapha kwinyathelo ngalinye. Olu lwazi luyinxalenye yemfundo yakho ngezemali: ukwazi indlela esebenza ngayo inkqubo ukuze uyisebenzisele inzuzo yakho.
Khetha imali-mboleko ekufaneleyo
Ubusazi na ukuba ungadibanisa imali-mboleko yakho neyomlingane wakho, nokuba anitshatanga? Okanye ukuba ungayidibanisa nemali-mboleko yebhanki ukuze wandise isixa semali-mboleko esikhoyo? I-Infonavit ibonelela ngeendlela ezahlukeneyo ezifana ne-Crédito Tradicional, i-Cofinavit, i-Unamos Créditos okanye i-ConstruYO. Nganye yenzelwe uhlobo olwahlukileyo lwemfuno. Apha sikubonisa ukuba yeyiphi ekufanele kakhulu ngokwemeko okuyo ngoku, umvuzo wakho nento ofuna ukuyisebenzisela yona imali-mboleko. Ukwenza esona sigqibo sifanelekileyo kuxhomekeke kwinqanaba lolwazi lwakho ngezemali, kwaye eli nqaku lenzelwe ukuliphakamisa.
Zifezekise iimfuno ngaphandle koxinzelelo
Ukuba neminyaka ephakathi kwe-18 nama-65, ukuba namanqaku amancinci afunekayo nokuba nengqesho esebenzayo… iimfuno zicacile, kodwa kudla ngokubakho ukubhideka ngendlela ezisebenza ngayo. Apha sizichaza nganye nganye ngolwimi olulula, kwaye sikubonisa ezinye iindlela ukuba awukazifezekisi. Kuba ngamanye amaxesha isenzo esincinane sinokukusondeza kakhulu kule mali-mboleko obucinga ukuba awunakuyifumana. Ngemfundo ngezemali, ufunda ukujonga iimfuno kungekhona njengezithintelo, kodwa njengamanyathelo acwangciswe ngobuchule okusingise kwinjongo yakho.
Jonga ingxelo yeakhawunti yakho ngokulula
Ukuba sele unayo imali-mboleko ye-Infonavit, kubalulekile ukwazi ukuba utyala malini, uhlawule malini nokuba iinkcukacha zakho zihlaziyiwe na. Kwi-Mi Cuenta Infonavit ungakujonga konke oku ngokucacileyo. Uza kufunda nendlela yokutolika ingxelo yeakhawunti yakho, ukulungisa iimpazamo eziqhelekileyo nokuhlala unolwazi oluhlaziyiweyo ngemali-mboleko yakho. Umntu onolwazi ngezemali uhlola iimali zakhe rhoqo, kwaye lo ngumkhwa onokuwuqala namhlanje.
Funda ukuhlawula ngaphandle kobunzima
Ukuhlawula imali-mboleko yakho ye-Infonavit kunokuzenzekela ukuba uyasebenza, okanye ukwenze ngokuzithandela ukuba uzisebenzela. Ukususela ekutsalweni kwemali kumvuzo ukuya ekuhlawuleni kwiivenkile ezigunyazisiweyo okanye kumaqonga edijithali, apha sikuchazela ngazo zonke iindlela. Nokuba ujongene nobunzima bemali, kukho izisombululo neenkqubo zenkxaso ezikhethekileyo. Ukuhlawula indlu yakho akufanele kube ngumthwalo. Kufanele kube yinxalenye yeprojekthi yobomi bakho. Ukuqonda ezinye iindlela onokukhetha kuzo kubonisa ukuba usebenzisa imfundo ngezemali kubomi bakho bemihla ngemihla.
Uphelelwe ngumsebenzi? Awuwedwa
I-Infonavit iyaqonda ukuba ubomi buyatshintsha. Ukuba uphelelwe ngumsebenzi, unokufumana ixesha elongezelelweyo lokuhlawula, inkxaso evela kwi-Fondo de Protección de Pagos nezinye iindlela zokuthintela ukushiyeka ngasemva kwiintlawulo. Awuyi kuphulukana nendlu yakho ngenxa nje yokuba udlule kwixesha elinzima. Eyona nto ibalulekileyo kukuthatha amanyathelo kwangethuba, uzifumanele ulwazi uze usebenzise izixhobo eli ziko likunika zona. Olu hlobo lokulungiselela kwangaphambili lubangelwa yimfundo entle ngezemali, esekelwe ekuziboneleni iingxaki nokwazi indlela yokujongana nazo.
Sebenzisa imali-mboleko yakho ngendlela othanda ngayo: thenga, yakha okanye uphucule
Asisathethi nje ngokuthenga indlu entsha. Ungasebenzisa imali-mboleko yakho ukwakha kumhlaba wakho, ukwandisa indawo okanye ukuphucula indlu onayo ngoku. Ukususela ekufakeni igumbi lokuhlambela ukuya ekutshintsheni uphahla, kukho imali-mboleko yohlobo ngalunye lwemfuno. Apha sikuchazela indlela yokukwenza kube yinyani. Imfundo ngezemali ikwabandakanya ukwazi indlela yokusebenzisa izixhobo onazo ukuze uphucule umgangatho wobomi bakho.
Indawo yakho yobuqu kwi-intanethi: Mi Cuenta Infonavit
Iprofayili yakho ekwi-intanethi sisitshixo sokusebenzisa yonke inkqubo. Ukusuka apho ungajonga amanqaku akho, ibhalansi, iintshukumo zeakhawunti, iindlela onokukhetha kuzo zemali-mboleko uze wenze uqikelelo. Kufuneka nje ubhalise nge-CURP ne-NSS yakho ukuze ufumane lonke ulwazi. Kusimahla, kukhuselekile kwaye kulungiselelwe wena ngokupheleleyo.
🎯 Ngaba ukulungele ukuqalisa uhambo lwakho lokwakha ubutyebi? Nge-Infonavit nangemfundo eyomeleleyo ngezemali, unokukufeza oko inyathelo ngenyathelo. Ikhaya lakho likulindile, nolwazi lukwalindile.